Aetna dental insurance for seniors on medicare

Q: Which Medicare Advantage plan has the best 2022 dental?

If youre looking for the best dental insurance for seniors on Medicare Advantage, here are our top picks for 2022..

Table of Contents Show

Which Medicare Advantage plan has the best 2022 dental?
What is the best dental insurance for a senior?
Does Aetna Medicare supplement plan g cover dental?
How does Aetna dental Access work?

Aetna Dental Insurance Review

Kelly Maxwell

Editor’s Rating: 5/5 Stars

Summary

Aetna dental insurance comes with stand-alone dental coverage or dental, vision, and hearing coverage. Overall, it is very affordable compared to competitors and comes with many different amounts of coverage.

Pros	Cons
✅ Very low rates	❌ Not available in many states
✅ Vision and hearing at no additional cost
✅ No deductible for preventative care

Aetna dental, vision, and hearing insurance is some of the most affordable on the market.

But is it the best?

This article will show you all of the different Aetna dental plans, what they cover, and our recommendations.

Give us a call or chat with us to enroll in Aetna dental, vision, and hearing insurance and go over sample rates.

Table Of Contents

Dental Direct Preferred
Dental Direct Core
Dental Vision Hearing
Dental Vision Hearing Plus
Prices
Recommendation

Aetna Dental Direct

Read Aetna’s Dental Direct brochure here.

Dental Direct is Aetna’s standalone PPO dental insurance plan.

They have two products, Direct Preferred and Direct Core.

Dental Direct Preferred

Direct preferred has higher premiums, but has more comprehensive coverage.

Service	In Network You Pay	Out Of Network You Pay
Preventative Services (Immediate Coverage)
Oral Examinations	No Cost	20%
Cleanings	No Cost	20%
Full-mouth images	No Cost	20%
Sealants	No Cost	20%
Basic Services (6 Month Waiting Period)
Filling	20%	40%
Periodontal maintenance cleanings	20%	40%
Extraction	20%	40%
Major Services (12 Month Waiting Period)
Surgery	50%	60%
Crowns	50%	60%
Root Canal	50%	60%
Dentures	50%	60%
Orthodontics	Not Covered	Not Covered
Deductible	$50 (individual) $150 (Family)	$50 (individual) $150 (Family)
Annual Maximum Payout	$1,250	$1,000

Dental Direct Core

Direct core has lower premiums, but you have to pay more percentage of your care.

Service	In Network You Pay	Out Of Network You Pay
Preventative Services (Immediate Coverage)
Oral Examinations	No Cost	20%
Cleanings	No Cost	20%
Full-mouth images	No Cost	20%
Sealants	No Cost	20%
Basic Services (6 Month Waiting Period)
Filling	50%	50%
Periodontal maintenance cleanings	50%	50%
Extraction	50%	50%
Major Services (12 Month Waiting Period)
Surgery	50%	70%
Crowns	50%	70%
Root Canal	50%	70%
Dentures	50%	70%
Orthodontics	Not Covered	Not Covered
Deductible	$50 (individual) $150 (Family)	$50 (individual) $150 (Family)
Annual Maximum Payout	$1,000	$750

Aetna Dental Vision Hearing

Read Aetna’s Dental Vision & Hearing brochure here.

Aetna’s Dental Vision Hearing plans cover more than just dental, with vision and hearing all baked into the same plan. These plans are especially useful for seniors on Medicare, as dental, vision, and hearing insurance is not covered by Medicare.

Note: The deductible does not apply to preventative care, meaning you do not have to pay the $100/year deductible before the plan pays for preventative care.

Dental Vision Hearing

Aetna’s Dental Vision Hearing plan has lower premiums but makes you pay more upon receiving care.

Services	Plan Covers
Preventative Care
Examinations and cleanings	Year 1 60%; Year 2 70%; Year 3+ 80%
X-Rays	Year 1 60%; Year 2 70%; Year 3+ 80%
Fillings	Year 1 60%; Year 2 70%; Year 3+ 80%
Extractions	Year 1 60%; Year 2 70%; Year 3+ 80%
Major Care (12 Month Waiting Period)
Root canals	Year 1 0%; Year 2+ 60%
Surgery	Year 1 0%; Year 2+ 60%
Bridges, crowns, dentures	Year 1 0%; Year 2+ 60%
Orthodontics	Not Covered
Vision (6 Month Waiting Period)
Eye Exams	Year 1 60%; Year 2 70%; Year 3+ 80%
Eyeglasses	Year 1 60%; Year 2 70%; Year 3+ 80%
Contact Lens	Year 1 60%; Year 2 70%; Year 3+ 80%
Hearing (12 Month Waiting Period)
Hearing exam	Year 2 70%; Year 3+ 80%
Hearing Aids	Year 2 70%; Year 3+ 80%
Deductible	100/Year/Person

Dental Vision Hearing Plus

Aetna’s Dental Vision Hearing Plus covers a higher percentage of care but has higher premiums. It also covers orthodontics, something many other plans do not cover.

Note: The $100/year deductible does not apply to preventative care.

Services	Plan Covers
Preventative Care (No deductible)
Examinations and cleanings	Year 1 60%; Year 2 70%; Year 3+ 80%
X-Rays	Year 1 60%; Year 2 70%; Year 3+ 80%
Basic Care ($100 deductible)
Fillings	Year 1 65%; Year 2+ 80%
Extractions	Year 1 65%; Year 2+ 80%
Major Care (12 Month Waiting Period)
Root canals	Year 1 20%; Year 2+ 50%
Surgery	Year 1 20%; Year 2+ 50%
Bridges, crowns, dentures	Year 1 20%; Year 2+ 50%
Orthodontics (12 Month Waiting Period)
Orthodontics	Year 2+ 50% ($1,500 lifetime maximum)
Clear aligners	Year 2+ 50% ($750 lifetime maximum)
Vision (6 Month Waiting Period)
Eye Exams	Year 1 65%; Year 2+ 80%
Eyeglasses	Year 1 65%; Year 2+ 80%
Contact Lens	Year 1 65%; Year 2+ 80%
Hearing (12 Month Waiting Period)
Hearing exam	Year 2+ 80%
Hearing Aids	Year 2+ 80%
Deductible	$100/year/person

Aetna Dental Insurance Prices

Aetna has some of the most affordable dental insurance prices.

Here is a breakdown of each type of plan’s prices.

Keep in mind, that prices can change depending on the maximum amount of coverage you want.

Age	Dental Direct Preferred	Dental Direct Core	DVH	DVH Plus
20	$44	$38	$48	$27
30	$49	$42	$50	$29
50	$59	$51	$50	$29
70	$75	$65	$57	$34
80	$75	$65	$59	$40

Aetna Dental Providers

While the Dental Vision Hearing plans can use any dental provider, prices will be better if you use someone in the network.

Click here to search for Aetna dental providers in your area.

Recommendation

Overall we recommend one of the Dental Vision Hearing plans for everyone looking to dental insurance.

Not only does it come with additional benefits that other dental plans don’t come with, it’s more affordable!

Plus, if you need orthodontic coverage, only the Dental Vision Hearing Plus plan will cover that.

If you have any additional questions or want to get enrolled in a dental insurance plan for yourself, a spouse, or your whole family, give us a call, chat with us, or leave a comment below!

We look forward to hearing from you.

FAQs

Does Aetna dental insurance cover Invisalign?

Not all Aetna plans cover Invisalign but some do. Dental Vision Hearing Plus does cover 50% up to a $750 maximum benefit for Invisalign and other clear aligners.

Does Aetna dental insurance cover root canals?

Yes, Aetna covers root canals, and how much Aetna covers will depend on the plan you have. Aetna dental insurance plans after the 12-month waiting period cover between 60-80% of the root canal, and you pay the rest.

Does Aetna dental insurance have a waiting period?

Yes. All Aetna dental insurance plans have a waiting period of various levels depending on the type of coverage and benefits. However, their Dental Direct plans have no waiting periods for their preventative services after the deductible has been paid.

Which Medicare Advantage plan has the best 2022 dental?

If you're looking for the best dental insurance for seniors on Medicare Advantage, here are our top picks for 2022..

Best for size of dental network: UnitedHealthcare..

Best for comprehensive coverage: Cigna & Aetna (tie)..

Best for member satisfaction: Kaiser Permanente..

Best for low-cost plans: Humana..

What is the best dental insurance for a senior?

Best Dental Insurance Providers for Seniors of 2022.

Best for Preventive Care: Cigna..

Best for Provider Flexibility: Aflac..

Best for Annual Maximums: Renaissance Dental..

Best for Affordable Options: Humana..

Best for Fast Coverage: United Healthcare..

Best for Largest Provider Network: Aetna..

Does Aetna Medicare supplement plan g cover dental?

Unfortunately, Medicare Supplement Plan G does not cover dental care. Plan G is a Medicare Supplement Insurance plan, otherwise known as “Medigap.” None of these plans cover any dental care.

How does Aetna dental Access work?

It provides Members with access to discounts at certain health care providers for medical and dental services. These discounts are discounted fees according to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna discount program.